Why The Investment Doctor?

Did anyone teach you how to invest in stocks?


My Mission is to Help You Make Money!

You and I have probably had similar experiences with the stock market.  Great times, bad times, and slow times. This is confusing and makes you want to have answers, and find a better and more reliable way of investing your hard earned money.  This is what happened for me, and after searching every corner of the financial industry and financial gurus I realized that I couldn't find truly holistic unbiased “advice” that was based on a proven data driven system. 

So, I solved my own problem by creating a true investment system to solve my own problem. Now I have decided to offer you the same system and strategies I personally use. All based on an unchanging formula I created that is emotionless, and proven over decades of market data.

Refreshingly new Approach

The Investment Doctor approach is to offer you un-biased investment training and coaching that is system and actual market data fact based. I have a fundamental belief that with training, coaching and my proven system you can invest and profit much better … and all along the way you will be 100% in control of your investments. Important Note: The Investment Doctor only offers education, and offers no financial or investment advice.

Truly Holistic

Let me explain what I mean by “truly holistic”. It’s important to look at your *entire* investment picture or landscape. Not just stocks and bonds, but other areas you invest in may include your education, your home or investment properties, insurance, gold and/or silver, and so on.  All of these must be included in your investment strategy, each has strengths and weaknesses, and rather than competing against each other the important thing is to allocate your capital so that these different investments work together to strengthen your overall financial future and safety. 

While this might seem like common sense it isn’t that common in the “advisor” community. The reason is that advisors and investment managers aren’t compensated or incentivized based on investments that they don’t manage for you or advise you on. I’ll cover more on this later, but in short, I strongly support looking at your whole investment picture, and not to be siloed into just one investment vehicle.

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Invest in yourself, along with some investment coaching

Yes! Invest in yourself. The Investment Doctor is all about investment education and coaching. I don’t offer investments. I don’t sell investment products, insurance or offer any other investment “opportunity”. Think of membership in The Investment Doctor as a do-it-yourself (DIY) offering, but guided by my investment system, my training (online courses, materials) and monthly coaching webinar.

I only offer training and coaching, not investment advice. It’s simple. I’m only asking you to invest a little into yourself and your investment knowledge so that you can have a better financial future.

Unique All-in-One Offering:  Investment Training & Coaching

I offer a low-cost membership package that includes both online Training and online Coaching. There is an online investment course where I teach my investment system and strategies, and as a part of the package I also provide monthly coaching webinars that give you current market analysis, strategy training, and Q&A. This makes it easier for people to learn and ask questions as the market moves and changes. Additionally, I have a huge amount of free information and educational materials that I will be providing through the blog/social media, podcasts, and videos.

You are not alone … over $46 Trillion in the US Stock Market

That’s right. $46 trillion is invested in the US stock market according to Siblis Research as of September 30, 2022 . We are incentivized to invest in the stock market through up front tax advantages. So, you probably are invested in the stock market to some degree, or you will be at some point in your life.

An example of incentives in the United States is 401k matching programs that companies offer to their employees. If you’ve worked for a medium or large sized company you’ve likely been offered some matching on your 401k contributions. Also, you are contributing pre-tax dollars so this reduces your income tax bill (in the short term). This is a double win up front (taxes are paid when you withdraw funds) and is a hard deal to pass up if you are at all able to contribute. So, you probably have a 401k and/or an IRA account(s).

The ROTH IRA and ROTH 401K accounts also incentivize us to invest in the stock market, but now with our after-tax dollars where the gains aren’t taxed.

With these mainstream incentives you can understand why so much has been invested into the stock market over the past 4 decades or so. 

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True Diversification

True Diversification. Taking a truly holistic approach to investing naturally leads into true diversification of your investments. True diversification will look different for each person, which is to be expected because you and your situation are unique. However, unless you are just starting out in your career you will most likely invest in several areas such as real estate, the stock market, as well as others. I just want you to know I support this and I believe it is synergistic and important in order for you to gain true investment diversification.

It’s important to know that often what might be described to you as “diversification” by an advisor may not be true diversification because it is only within the scope of stocks and bonds, but not necessarily across multiple asset categories such as real estate, etc. Investing just in stocks and bonds doesn’t qualify as being truly diversified in my mind.

It’s important to be open to different investment vehicles, but it’s even more important to be able to analyze investments, be judicious, and make sound decisions on the different investment options available to you. You need to understand each investments pros and cons, and risks and rewards. Finally, also know that diversification doesn’t mean invest in everything.  It is really about how different investment categories compliment each other in your all-up investment picture.

Unbiased Training & Coaching

Unbiased training & coaching. My approach naturally then leads to un-biased training and coaching. I don’t pick favorites amongst your investment options, and I don’t have a bias as to what you invest in. However, I do have something to offer you if you decide or are already investing in stocks. But the focus here isn’t to push you into the stock market or any particular investment.  It is really to just train you on how to manage your stock investments better if you are interested in doing so. Ultimately …

Investing is Personal. Investing is very personal, and to add to that your personal needs and circumstances change over time. I support whatever is truly best for you, and don’t think your investment portfolio should be driven by mine or anyone else’s business model.

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This business model works for you, not against you!

Generally speaking, there are fundamental flaws with financial advisor and investment company business models. The typical models actually work against you (the investor) rather than for you.

Compensation Structure: Advisors are paid based on assets under management (AUM) or some other structure, but they aren’t solely compensated based on their investment performance with your money. The Investment Doctor has no detrimental compensation structure.

Investment bias: Often you are offered investment options that are more profitable (due to fees, etc.) for the advisor and/or investment company rather than what is best for you the investor. The Investment Doctor has no investment bias.

Barriers: There are barriers such as high minimums to even get help from this flawed model’s advisors. For example, the minimum investment might be 250k, 500k, or more.  Or you must be an accredited investor in order get access to the “good” investment opportunities. The Investment Doctor has no barriers.

Wall Street and most companies aren’t specifically on your side, but they are on their own side for their own profit. You’ve probably seen and heard about the issues around fraud, collusion, lack of SEC oversight, rampant speculation, etc. that Wall Street, various companies and the stock market experience time and again. If not, look up Enron.  The Investment Doctor is on your side by providing training and education.

I don’t want to be completely negative on the industry here.  There have been very welcomed recent strides to improve the situation through regulation (e.g. fiduciary), independent advisors that can be truly hourly fee only (e.g. registered investment advisors), industry competition (e.g. Schwab and Vanguard lowering or eliminating some fees), and “fintech” offering ease of access, management and lower fee structures.

However, none of these can make things perfect or fail safe, and none of them will care more about your money than you do. 


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Invest in Your Financial Future

You need to trust yourself with your investing (if you don’t, then get trained so that you do), trust true data, trust proven systems, and trust smart strategies that have backup plans. That’s about it, and that's what I offer to you.

To be even more transparent I do believe that not everyone is cut out for investing for themselves. This could be simply due to lack of interest, or priorities on other things in life, or that they haven’t found the right resources to get trained.  Whatever the case, I certainly do think that some people shouldn’t go into investing if it’s something they don’t want to do. 

In these cases I think there are still many options such as aggressive saving, paying off a mortgage, or even entrusting some investments to the others such as a registered investment advisor. The options are endless.

One final option is a hybrid approach of self-study and leveraging an advisor.  Many people do this and it can work well since it’s a natural path to question your advisor, to know what you are invested in based on their recommendations, and so on.

There are no right or wrong answers in terms of what is right for you. It’s a personal choice.  

Invest in Yourself !

Even in the case where you already have an advisor I do strongly believe everyone needs to invest in their own financial and investment education.  In fact, if you are completely dependent on an advisor I actually encourage financial and investment education even more so.

There are so many great ways to do this these days, but you also need to know how to filter out the bad from the good, and the get-rich-quick schemes from sound advice for you and your family’s long-term financial health.

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